Current Rates
Fee Schedule Truth In Savings Disclosure
Loan Rates
| Vehicle Loans 2019 & Newer |
| View Vehicle Loans |
| Term | APR* as low as | Payment per $1,000 |
| 48 Months |
5.49% |
$23.26 |
| 60 Months |
5.99% |
$19.33 |
| 72 Months |
6.49% |
$16.81 |
| 84 Months |
7.49% |
$15.34 |
| Recreational Loans 2019 & Newer |
| View Recreational Loans |
| Term | APR* as low as | Payment per $1,000 |
| 48 Months |
6.49% |
$30.65 |
| 60 Months |
6.74% |
$19.69 |
| 72 Months |
6.99% |
$17.05 |
| 84 Months |
7.49% |
$15.34 |
| 120 Months |
8.99% |
$12.67 |
*Annual Percentage Rate. Your individual rate will depend on your credit worthiness. Automatic payment required for lowest rate offered. Please consult with a loan officer for more information. Terms are based on the year, condition and mileage of the vehicle. Rates are applicable on purchases and refinancing of loans from other institutions. For 2018 and older vehicles, contact the Credit Union for rates and terms.
| Home Equity Loans and Mortgages |
| View Home Equity Loans View Mortgage Loans |
| Loan Type | Maximum Term | Rate/APR* | Payment per $1,000 |
| 1st Position - Closed End Fixed Rate |
15 yrs. |
Call for current rates |
N/A |
| *Annual Percentage Rate. 5, 7, 10, 12 and 15 year terms are also available. All loans are subject to credit approval and listed rates/terms are subject to change at any time without notice. Please contact a loan officer for additional information. |
| Home Equity Line of Credit |
Open End |
Variable - Currently 7.75% |
n/a |
| Annual Percentage Rate is based on the Prime rate (currently 7.75%) as published in the Wall Street Journal (45 days prior to the end of each quarter) + a margin of 0% and is subject to change on January 1, April 1, July 1 and October 1 of each year. The current rate of 7.75% APR is effective as of 11/7/2024. The maximum APR is 18% and the minimum is 4%. The payment is calculated at 1.5% of the outstanding balance, at the end of each month. |
| Home Purchases |
Programs available with terms up to 30 years. Contact the credit union for details. |
|
|
| Other Loan Types |
| Loan Type | Term/mo. | Maximum Amount | APR* | Payment per $1,000 |
| Personal & Debt Consolidation |
Up to 60 months |
$10,000 |
As low as 9.95% |
$21.23 |
| Share Secured |
Up to 60 months |
n/a |
3% above share rate |
- |
| Certificate Secured |
Up to term of CD |
n/a |
2% above CD rate |
- |
| Overdraft Line of Credit |
5% of balance, $50 minimum |
$2,500 |
15.00% |
- |
| Mobile Homes |
Up to 20 years** |
n/a |
Call for current rate |
|
*Annual Percentage Rate. **Subject to age and down payment requirements, call for details. Your individual Rate and terms for Personal/Consolidation loans will depend on your credit worthiness. Please consult with a loan officer for more information. All loans subject to credit approval.
Savings Rates
| Share & Checking Rates |
| Account Type | Min. Balance | Dividend Rate | APY* |
| Regular Shares |
$25.00 |
0.05% |
0.05% |
| Clubs |
n/a |
0.05% |
0.05% |
| IRA Shares |
$5.00 |
0.25% |
0.25% |
| Checking |
n/a |
n/a |
n/a |
*Annual Percentage Yield. Dividends are based on the Average Daily Balance Method. Dividends are Compounded and Credited monthly. A $25.00 Minimum Balance is required to obtain the Annual Percentage Yield for the monthly dividend period. The Minimum required Opening Balance is $25.00 for Regular Share. There is no minimum balance required for Checking accounts, Club accounts or IRA accounts.
| High Yield Accounts |
| Min. Balance | Dividend Rate | APY* |
| $2,000 - $24,999 |
1.50% |
1.51% |
| $25,000 - $49,999 |
1.75% |
1.76% |
| $50,000 - $99,999 |
2.25% |
2.27% |
| $100,000 & Over |
2.75% |
2.79% |
*Annual Percentage Yield. Dividends are based on the Average Daily Balance Method. Dividends are Compounded and Credited monthly. A $2,000 Minimum Balance is required to obtain the Annual Percentage Yield for the monthly dividend period. The Minimum required Opening Balance is $2,000. High Yield Accounts are limited to 6 withdrawals per month. Account balances falling below $2,000 will be closed and the balance transferred to a regular share account.
| Share & IRA Certificates |
| Minimum Balance to open: $2,000.00 |
| Term | Penalty | Dividend Rate | APY* |
| 6 Months |
90 days |
3.25% |
3.30% |
| 12 Months |
180 days |
3.75% |
3.82% |
| 15 Months |
180 days |
3.75% |
3.82% |
| 18 Months |
180 days |
4.00% |
4.07% |
| 24 Months |
180 days |
4.50% |
4.59% |
| 36 Months |
365 days |
3.75% |
3.82% |
| 48 Months |
365 days |
3.50% |
3.56% |
| 60 Months |
365 days |
3.50% |
3.56% |
| Super Saver Share Certificates |
| Minimum Balance to open: $500.00 |
| Term | Penalty | Dividend Rate | APY* |
| 6 Months |
90 days |
1.75% |
1.76% |
| 12 Months |
180 days |
2.00% |
2.02% |
| 15 Months |
180 days |
2.00% |
2.02% |
| 24 Months |
180 days |
2.25% |
2.27% |
| 36 Months |
365 days |
2.50% |
2.53% |
*Annual Percentage Yield. Dividends are based on the average daily balance method. Dividends are compounded daily and credited monthly. The minimum balance stated above is required to obtain the Annual Percentage Yield for the monthly dividend period as well as to establish the certificate account.
